LPL Financial - Benjamin W. Heiler, CFP

08/25/2026

Creating a home inventory can help you fully recover any property losses you incur. Include these four things.

Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.

08/11/2026

Curious where your retirement savings are headed? Enter your numbers and see what your future balance could look like based on what you're doing today.

See how your current savings rate and contributions may grow into retirement income.

07/22/2026

Some federal student loan borrowers may soon qualify for a larger interest rate discount by enrolling in automatic payments.

The U.S. Department of Education announced that eligible borrowers who sign up for autopay can receive a 1-percentage-point reduction in their interest rate. The temporary discount is expected to last through June 30, 2028.

Borrowers already enrolled in autopay are expected to receive the discount automatically. Others must enroll by Sept. 30, 2026, to qualify.

Not every loan is eligible. The discount applies to certain federal Direct Loans, including Direct Subsidized, Direct Unsubsidized, Direct PLUS, and Direct Consolidation Loans. Private student loans and FFEL loans are not included.

Borrowers must also have loans in good standing, and the loans generally must have been disbursed on or after July 1, 2012.

For borrowers managing student loan payments, even a temporary rate discount may be worth reviewing as part of their broader monthly cash flow.


Source:

To qualify for the U.S. Department of Education's new interest rate discount on student loans, borrowers must meet several requirements. Here's what to know.

07/20/2026

Retirement may seem decades away, but the smartest financial moves start today. 💡

The earlier you begin saving and investing, the more time your money has to grow. Whether you're just starting your career or climbing the corporate ladder, creating a retirement plan now can help you build long-term financial freedom and peace of mind.

Your future self will thank you for every step you take today. 🌱➡️🏖️



https://www.business-standard.com/finance/personal-finance/retirement-planning-for-young-professionals-when-to-start-126061000341_1.html

07/17/2026

Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more.

Understanding the cycle of investing may help you avoid easy pitfalls.

07/14/2026

A good professional provides important guidance and insight through the years. Explore what that means in this helpful piece.

A good professional provides important guidance and insight through the years.

07/07/2026

Saving for retirement gets a lot of attention. Spending those savings can be just as important.

A recent survey found that only 31% of Americans know what “decumulation” means — the process of drawing down retirement assets over time.

That uncertainty may help explain why some retirees spend far less than they could. One report found that about one-third of retirees still had 100% or more of their initial retirement assets by their mid-80s.

For many people, the concern is not just having enough saved. It is knowing how to use those savings while accounting for healthcare costs, inflation, taxes, market changes, and longevity.

Common withdrawal guidelines, such as the 4% rule, may provide a starting point, but they do not account for every personal circumstance.

The transition from saving to spending can be both emotional and financial. After decades of building retirement assets, using them thoughtfully can take a different kind of confidence.


Source:

Many Americans spend decades saving for retirement, but lack a plan for using that money once they stop working, a new survey finds. Here's what to know.

06/30/2026

The S&P 500 is ubiquitous. Ever wonder how it works?

The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.

06/25/2026

Your credit score may impact what you pay for auto and home insurance.

Your credit score may influence how much you pay for auto and home insurance.

06/23/2026

If you thought that payouts from life insurance are tax-free in all cases, think again.

Life insurance proceeds are generally tax-free. But not in all cases.